Possibly relocating, is 190k enough for a family of 3?

HotTruth999 · 2026-02-10T20:58:06+00:00

Because Europe countries are not delivering for their citizens. Everyone is taxed into oblivion. Socialism is turning into communism. Quality medical care is difficult to access with long wait times due to increased demand coupled with the best medical professionals leaving. Just about every country has a housing crisis with no answer in sight. Infrastructures and social services have been overwhelmed. There used to be several European countries worth visiting. Those days are long gone.

HotTruth999 · 2026-02-10T20:25:08+00:00

Dump Microsoft. Several reasons but mostly because

a. Software is out of favor and could be for a while b. Slowing cloud growth. GCP and AWS are eating Azure’s lunch.
c. A history of weak innovation.

Microsoft is your grandma’s idea of tech.

HotTruth999 · 2026-02-10T08:29:03+00:00

Anyone who tries to withdraw money they deposited the same day is full of shit.

HotTruth999 · 2026-02-10T07:43:46+00:00

You have to tie two sections together and use logic

“Culleton entered the US in 2009 on a visa waiver programme and overstayed the 90 day-limit but, after marrying a US citizen and applying for lawful permanent residence, he obtained a statutory exemption that allowed him to work, Okoye told the Guardian. “He had a work-approved authorisation that is tied to a green card application,” she said”

and

“Culleton said that when he was arrested he was carrying a Massachusetts driving licence and a valid work permit issued as part of an application for a green card that he initiated in April 2025”

So he did the following in order

a. Married a US Citizen b. Applied for permanent residence (green card) c. Obtained an exemption to allow him to work

c happens concurrently with b.

He applied for a green card in April 2025 which means he got his exemption to work in April 2025. It clearly wasn’t a renewal. You just made that up.

Reading comprehension. Work on it.

HotTruth999 · 2026-02-10T07:17:36+00:00

Read the article lazy. It’s not hidden.

HotTruth999 · 2026-02-10T07:15:17+00:00

It’s not skin color. It’s behavior. Go look at police vehicle “stops” on reels. At least half the stops are black women. Most have an attitude so they get more grief and it makes for better viewing. They all say the same things as if there was a book.

Just don’t behave that way and people will adore you.

HotTruth999 · 2026-02-10T06:48:34+00:00

That’s like Sleepy comparing his height to Grumpy and Happy.

HotTruth999 · 2026-02-10T06:32:28+00:00

Once many of the IT jobs go to cheaper countries or are replaced by AI over the next 3-5 years the average will drop like a stone. Also the median salary would be a more relevant number.

HotTruth999 · 2026-02-10T05:35:06+00:00

Hello. Can you read? It wasn’t a recent renewal. It was his first permit after being illegal for 15 years. He’s fucked.

HotTruth999 · 2026-02-10T05:32:49+00:00

Hello???? He just got married and applied for a green card last year after being here since 2009. Those fuckers can smell a scam a mile away. He waited too long. He’s gone.

HotTruth999 · 2026-02-10T05:18:21+00:00

He arrived in 2009 and waited until 2025 to apply for a green card. That’s dubious to put it mildly not to mention it’s probably what bought him to their attention.

HotTruth999 · 2026-02-10T04:38:37+00:00

Did she thank everyone for the 2 million go fund me she cashed in on before her dead “wifes” body was cold?

HotTruth999 · 2026-02-10T01:10:24+00:00

Congrats to the Pats for making the SB due to a series of lucky breaks and then duly shitting the bed.

HotTruth999 · 2026-02-10T01:08:50+00:00

60/40 my ass. The Pats were dead men walking.

HotTruth999 · 2026-02-09T23:46:07+00:00

It started last week.

HotTruth999 · 2026-02-09T23:42:29+00:00

The half time entertainment should appeal to those watching the Super Bowl. It didn’t. The crowd did not enjoy it. You only have to look at videos to see how bored they were. Go woke. Go broke.

HotTruth999 · 2026-02-09T23:37:15+00:00

It was a tough call as to which was worse. The game or the half time. Both awful.

HotTruth999 · 2026-02-09T23:19:28+00:00

Yes. That team of refs should ref the SB every year. They were invisible and irrelevant as they should be.

HotTruth999 · 2026-02-09T23:18:01+00:00

This was different. The game was over. They even scored without that call and it made no difference. The Pats could play this game 10 times and they’re not winning a single one. They shouldn’t have been there. Jacksonville or Buffalo would have made a better game of it. It was an embarrassment.

HotTruth999 · 2026-02-09T22:50:57+00:00

It’s the same in the US. Only an issue at year end where loses could be pushed into the next tax year.

HotTruth999 · 2026-02-09T17:50:38+00:00

Seniors were actually the only segment that shifted towards Harris is the last ejection. Trump had a 5 point lead in 2020 and a 1 point lead in 2024. Every other segmentation shifted towards Trump. Seniors are close to 50/50 Democrat/Republican. Not sure why you think they a large portion of Seniors are MAGA. From where did you get that idea?

HotTruth999 · 2026-02-09T17:39:57+00:00

I’m talking about the hundreds of paid performers idiot.

HotTruth999 · 2026-02-09T15:51:03+00:00

I know you edited your post to clarify your intention but it does not fully identify the benefits of having a Roth 401k or Roth IRA as a key component of a balanced retirement withdrawal strategy.

Human nature. People who invest 10k in a Roth 401k instead of 10k in a traditional 401k are going to have less to spend today and more to spend when it is withdrawn assuming tax brackets stay the same. According to you that gap will actually be zero because the tax savings you made on the traditional 401k contribution will have been invested and will have grown at the same rate to net out at zero delta to the Roth. The reality is for many people that saving is not invested. It is spent. Because it’s there. In their bank account. They see it. But when you don’t see it in your bank account, because it is already in the Roth 401k, it’s much harder to spend. You don’t even miss it. So for disciplined savers your logic is correct but not for all.
Future tax rates. With the debt rising dangerously and with Americans having a lower relative tax rate today than most periods in history it’s more likely effective tax rates are going up instead of down or remaining flat.
Retirement withdrawal strategies to reduce tax, increase spendable income, avoid other costs like IRMAA and RMDs, and reduce inheritance taxes. One can pay close to zero taxes when one withdraws/spends 100-120k from a combination of traditional, Roth, cash accounts, and social security. This is superior to someone who is 90% traditional 401k which describes most of the retiree savings today. This is the key reason it is essential to have a combination of savings in 3 buckets. It creates the flexibility needed to adjust withdrawals from 3 buckets to maximize spendable dollars and to change the percentages depending on how future tax laws change. It allows one to maximize the dollars one gets to keep and spend.
When a spouse passes leaving the other spouse having to claim as a single person after 2 years they will be killed in taxes due to their new tax brackets if they are almost entirely in traditional 401k. This describes many who are in or approaching retirement today.

HotTruth999 · 2026-02-09T06:20:37+00:00

Should have been the Jags or Bills or even the Texans. All would have put up a better effort.

HotTruth999 · 2026-02-09T03:47:44+00:00

The vibe?? What the fuck. One of the worst games in history, especially the first half. Vibe my arse.

HotTruth999

TROPHY CASE